GMP IPO Watch
BANK OF INDIA CREDIT RISK FUND
Direct Plan · Growth · Bank of India Mutual Fund
Returns
Annualised (CAGR) returns for periods over a year.
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Rank in Category
| Period | This Fund | Category Avg. | Rank |
|---|---|---|---|
| 1W | +0.18% | +0.11% | 1 of 14 |
| 1M | +0.42% | -0.01% | 1 of 14 |
| 3M | +1.52% | +0.91% | 2 of 14 |
| 6M | +8.79% | +4.35% | 2 of 14 |
| YTD | +15.77% | +5.74% | 1 of 14 |
| 1Y | +17.23% | +7.17% | 1 of 14 |
| 2Y | +11.93% | +8.71% | 4 of 14 |
| 3Y | +10.09% | +8.53% | 4 of 14 |
| 5Y | +27.83% | +8.62% | 1 of 13 |
| 7Y | +11.38% | +6.58% | 1 of 13 |
| 10Y | +2.40% | +5.23% | 11 of 12 |
| INCEPTION | +3.50% | — | — |
Ranked among: Debt Scheme - Credit Risk Fund.
Rolling Returns
| Period | Average | Best | Worst | Positive Periods | Consistency |
|---|---|---|---|---|---|
| 3M | +2.58% | +137.25% | -51.14% | 90% | 33% |
| 6M | +5.35% | +138.74% | -48.39% | 85% | 30% |
| 1Y | +11.33% | +150.29% | -72.19% | 77% | 26% |
| 2Y | +7.10% | +68.41% | -47.69% | 70% | 24% |
| 3Y | +4.16% | +43.70% | -33.31% | 65% | 23% |
| 5Y | +0.84% | +28.08% | -18.32% | 35% | 11% |
| 7Y | +0.19% | +11.58% | -10.33% | 27% | 10% |
| 10Y | +2.17% | +2.71% | +1.80% | 100% | 41% |
Rolling returns show the average, best and worst outcome an investor would have seen entering at any point in the window.
NAV History
AUM Trend (₹ Cr, quarterly average)
Expense Ratio Trend
Portfolio · Aug 2026
Asset Allocation
- Equity0.00%
- Debt71.21%
- Cash28.79%
- Other0.00%
Market Cap Split
- Large Cap0.00%
- Mid Cap0.00%
- Small Cap0.00%
- Others100.00%
Holdings · Aug 2026
| Holding | Sector | Weight | Change (1M) |
|---|---|---|---|
| TREPS | Reverse Repo / TREPS | 26.89% | — |
| Indian Bank (04/12/2026) | Money Market | 12.17% | +3.19% |
| 8.5% Nirma Limited (07/04/2027) ** | Debt | 11.67% | +3.00% |
| 8.35% Aditya Birla Real Estate Limited (30/08/2027) ** | Debt | 10.23% | +2.62% |
| 9.45% Vedanta Limited (05/06/2028) ** | Debt | 7.37% | +1.88% |
| 9.40% 360 One Prime Limited (04/03/2027) ** | Debt | 7.30% | +1.87% |
| 7.99% Rashtriya Chemicals and Fertilizers Limited (07/08/2027) ** | Debt | 7.30% | +1.88% |
| 8.39% JSW Steel Limited (13/05/2027) ** | Debt | 7.27% | +1.87% |
| 7.70% Nuvoco Vistas Corporation Limited (18/09/2028) ** | Debt | 7.18% | +1.83% |
| Net Receivables / (Payables) | Net Current Assets | 1.90% | — |
| Corporate Debt Market Development Fund | Debt | 0.72% | +0.19% |
Risk Metrics
Standard Deviation
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 0.82 | 2.52 | Low Volatility |
| 3Y | 4.12 | 2.97 | High Volatility |
| 5Y | 54.83 | 6.71 | High Volatility |
What is this?
Risk as measured by standard deviation is a statistical measure that quantifies the amount of variation or dispersion in a set of data points relative to its mean (average).
Sharpe Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 1.58 | 0.74 | Good Risk Adjusted Returns |
| 3Y | 0.85 | 1.14 | Poor Risk Adjusted Returns |
| 5Y | 0.50 | 0.65 | Poor Risk Adjusted Returns |
What is this?
Higher the value means that fund has been able to give better returns for the amount of risk taken. It helps investors understand the return of an investment compared to its risk, showing whether the returns are due to intelligent investing or simply taking on excess risk. It is calculated by subtracting the risk-free return, defined as an Indian Government Bond, from the fund's returns, and then dividing by the standard deviation of returns.
Sortino Ratio
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | 49.11 | 5.95 | Good Risk Adjusted Returns |
| 3Y | 8.86 | 4.63 | Good Risk Adjusted Returns |
| 5Y | 53.64 | 5.85 | Good Risk Adjusted Returns |
What is this?
The Sortino Ratio is a financial metric used to measure the risk-adjusted return of an investment. It's a modification of the Sharpe Ratio but with a key difference; it only considers downside risk (the risk of negative returns), rather than total volatility. This means it focuses on how well an investment performs relative to the volatility that leads to losses, ignoring the volatility that results in gains. The idea is that investors are primarily concerned with minimizing losses, and positive volatility is generally seen as a good thing.
Beta
| Period | Fund | Category | |
|---|---|---|---|
| 1Y | -0.72 | 0.68 | Good Risk Adjusted Returns |
| 3Y | -0.18 | 0.05 | Good Risk Adjusted Returns |
| 5Y | 0.44 | 0.18 | Poor Risk Adjusted Returns |
What is this?
This value gives idea about how volatile fund performance has been compared to similar funds in the market. Lower beta implies the fund gives more predictable performance compared to similar funds in the market.
Compare With Peers
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
Aditya Birla Sun Life Credit Risk Fund
Regular Plan · GROWTH
|
+11.01% | +12.17% | +9.93% | +8.48% |
|
DSP Credit Risk Fund
Regular Plan · Growth
|
+9.93% | +15.85% | +12.49% | +7.91% |
|
SBI CREDIT RISK FUND
Regular Plan · Growth
|
+7.06% | +7.83% | +7.02% | +7.72% |
|
Axis Credit Risk Fund
Regular Plan · Growth Option
|
+7.01% | +7.97% | +6.80% | +7.19% |
|
ICICI Prudential Credit Risk Fund
Regular Plan · Growth
|
+6.86% | +8.38% | +7.27% | +8.20% |
|
Nippon India Credit Risk Fund (Existing Number of Segregated Portfolios - 1)
Regular Plan · Growth option
|
+6.69% | +8.06% | +7.09% | +6.92% |
|
Invesco India Credit Risk Fund
Regular Plan · Growth
|
+6.20% | +8.27% | +7.13% | +6.25% |
|
Baroda BNP Paribas Credit Risk Fund (scheme has Two segregated portfolios)
Regular Plan · Growth Option
|
+6.18% | +7.49% | +8.46% | +7.74% |
|
HSBC Credit Risk Fund
Regular Plan · Bonus
|
+5.57% | +10.92% | — | +9.90% |
|
Kotak Credit Risk Fund
Regular Plan · Standard Income Distribution cum capital withdrawal option
|
+5.57% | +7.56% | +5.70% | +2.05% |
More From Bank of India Investment Managers Private Limited
| Scheme | 1Y | 3Y | 5Y | Since Inception |
|---|---|---|---|---|
|
BANK OF INDIA SMALL CAP FUND
Direct Plan · IDCW
|
+31.70% | +22.17% | +20.30% | +23.30% |
|
BANK OF INDIA MANUFACTURING & INFRASTRUCTURE FUND
Direct Plan · Growth
|
+17.71% | +21.91% | +20.80% | +17.57% |
|
BANK OF INDIA AGGRESSIVE HYBRID FUND
Direct Plan · Growth
|
+14.12% | +16.61% | +14.64% | +16.38% |
|
BANK OF INDIA FLEXI CAP FUND
Direct Plan · IDCW
|
+10.34% | +18.84% | +16.46% | +22.66% |
|
Bank of India Multi Asset Allocation Fund
Direct Plan · Growth
|
+10.00% | — | — | +10.67% |
|
BANK OF INDIA MULTI CAP FUND
Direct Plan · Growth
|
+9.94% | +16.82% | — | +21.71% |
|
BANK OF INDIA MID CAP TAX FUND SERIES 1
Direct Plan · Growth
|
+9.62% | +14.97% | +11.51% | +14.11% |
|
Bank of India Money Market Fund
Direct Plan · Growth
|
+6.58% | — | — | +7.19% |
|
BANK OF INDIA LIQUID FUND
Direct Plan · Growth
|
+6.52% | +6.96% | +6.42% | +6.84% |
|
BANK OF INDIA ULTRA SHORT TERM FUND
Direct Plan · Bonus
|
+6.50% | +6.93% | +6.28% | +6.95% |
About This Scheme
Investment Objective
The Scheme’s investment objective is to generate capital appreciation over the long term by investing predominantly in corporate debt across the credit spectrum within the universe of investment grade rating. To achieve this objective, the Scheme will seek to make investments in rated, unrated instruments and structured obligations of public and private companies. However, there is no assurance or guarantee that the investment objective of the scheme will be achieved.
Stated Asset Allocation
Corporate Debt (including securitized debt-65% to 100%-Medium to High Money market instruments-0% to 35%-Low
Exit Load
• If redeemed/ switched-out within 1 year from the date of allotment: - For 10% of investments: Nil - For remaining investments:1% • If redeemed/ switched-out after 1 year from the date of allotment: Nil
Fund Managers
Mr.Alok Singh
Primary Fund Manager having around 20 years of experience, including 16 years in mutual fund industry.
Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Past performance is not indicative of future returns. Data is sourced from AMFI and fund houses via FinAPI and may lag official figures.